Afternoon from "stormy" SoCal. This month I've had two hard pulls, one from LightStream and the other from my Credit union. Both were approved, and with the wife wanting a new MacBook, that Apple Card is looking attractive if only for the 0% interest for 12 months. It appears that they use transunion, with my UTI at 6% and my new Transunion at 786, what would be the best move, apply or wait because of the two pulls. Both HPs were from Experian fwiw. Cheers
@HarleyMan2014 I would say go for it! If your TU is 786 that is a great score and if they pull TU they won't care what your EX inquiries are ^^ now if adding those things DROP your score rather large or if you know them to be NEW APP sensitive then you can hold out 6 months but over 750 is pretty gold standard.
@Girlzilla88 wrote:@HarleyMan2014 I would say go for it! If your TU is 786 that is a great score and if they pull TU they won't care what your EX inquiries are ^^ now if adding those things DROP your score rather large or if you know them to be NEW APP sensitive then you can hold out 6 months but over 750 is pretty gold standard.
When you say adding those things, what do you mean? I have no idea if Goldman Sachs are new App sensitive?
@HarleyMan2014 The things you added this month that caused your HPs ^^ But if they haven't added to your Credit Reports just yet you may want to jump on your APP before they do as sometime (not sure if LightStream is!?) but CFA can factor into some considerations but again with a score over 750 you should be sitting pretty! 
@Girlzilla88 wrote:@HarleyMan2014 The things you added this month that caused your HPs ^^ But if they haven't added to your Credit Reports just yet you may want to jump on your APP before they do as sometime (not sure if LightStream is!?) but CFA can factor into some considerations but again with a score over 750 you should be sitting pretty!
I dont think LightStream has, though it was just a refinance from my Credit Union to them for a lower interest rate. The Credit Union pull was for a credit limit increase.
@Girlzilla88 wrote:@HarleyMan2014 The things you added this month that caused your HPs ^^ But if they haven't added to your Credit Reports just yet you may want to jump on your APP before they do as sometime (not sure if LightStream is!?) but CFA can factor into some considerations but again with a score over 750 you should be sitting pretty!
Not sure if you were referring to LightStream coding as a CFA, but I don't believe it does. @CreditCuriosity or others who've obtained installment loans can confirm though.
@CreditCuriosity wrote:Doesn't report as cfa for me
Dunno if this is common knowledge, but what is CFA as it relates to LightStrean?